A growth-focused portfolio with an innovative edge and a tilt towards small-cap value and digital payments

Report created on Jul 18, 2025

Risk profile Info

5/7
Growth
Less risk More risk

Diversification profile Info

1/5
Single-Focused
Less diversification More diversification

Positions

This portfolio is notably concentrated on growth and innovation, with a significant allocation to the Vanguard Growth Index Fund ETF Shares (46.11%) and the Vanguard Small-Cap Value Index Fund ETF Shares (41.29%). The inclusion of the Fidelity® Crypto Industry and Digital Payments ETF (12.61%) introduces a specialized focus on emerging digital finance sectors. This composition suggests a strategic emphasis on growth through large-cap and small-cap equities, complemented by a speculative interest in the burgeoning cryptocurrency and digital payments industry.

Growth Info

With a Compound Annual Growth Rate (CAGR) of 17.14% and a maximum drawdown of -26.35%, the portfolio demonstrates robust growth potential balanced with moderate risk exposure. The performance is particularly impressive considering the volatility associated with small-cap and cryptocurrency-related investments. This historical performance, while indicative of past success, should be viewed with caution as it does not guarantee future results.

Projection Info

Monte Carlo simulations, which project future performance based on historical data, show a wide range of outcomes for this portfolio. The 50th percentile projection of a 594.1% return is optimistic, reflecting the growth potential of the assets within. However, the 5th percentile projection of a -49.9% loss underscores the inherent risks, especially in the volatile sectors of small-caps and digital payments. These projections offer a valuable perspective but are inherently speculative.

Asset classes Info

  • Stocks
    100%
  • Cash
    4%

The portfolio is entirely composed of stocks, with a small cash holding of 4%. This allocation underlines the portfolio's aggressive growth orientation but also highlights a lack of diversification across asset classes. Incorporating fixed-income securities or commodities could provide a buffer against stock market volatility, enhancing the portfolio's risk-adjusted returns over time.

Sectors Info

  • Technology
    31%
  • Financials
    19%
  • Consumer Discretionary
    12%
  • Industrials
    10%
  • Telecommunications
    7%
  • Health Care
    6%
  • Real Estate
    5%
  • Consumer Staples
    3%
  • Basic Materials
    3%
  • Utilities
    2%
  • Energy
    2%

Sectoral allocation shows a heavy tilt towards technology (31%), financial services (19%), and consumer cyclicals (12%), aligning with the portfolio's growth focus. However, this concentration increases susceptibility to sector-specific risks. Diversifying into underrepresented sectors could mitigate this risk while potentially uncovering new growth opportunities.

Regions Info

  • North America
    96%
  • Australasia
    1%
  • Japan
    1%
  • Europe Developed
    1%
  • Latin America
    1%

Geographically, the portfolio is overwhelmingly concentrated in North America (96%), with minimal exposure to other regions. This concentration benefits from the robust U.S. economy but limits global diversification. Expanding into emerging markets or developed international markets could reduce geographic risk and tap into global growth trends.

Market capitalization Info

  • Mega-cap
    30%
  • Small-cap
    28%
  • Mid-cap
    18%
  • Large-cap
    14%
  • Micro-cap
    9%

The portfolio's market capitalization exposure is well-distributed among mega (30%), small (28%), medium (18%), big (14%), and micro (9%) caps. This distribution supports diversification across different company sizes, although the emphasis on small and mega caps aligns with its growth and value strategy. Balancing this with more medium and big cap exposure could smooth volatility without significantly diluting growth potential.

Risk vs. return

This chart shows the Efficient Frontier, calculated using your current assets with different allocation combinations. It highlights the best balance between risk and return based on historical data. "Efficient" portfolios maximize returns for a given risk or minimize risk for a given return. Portfolios below the curve are less efficient. This is informational and not a recommendation to buy or sell any assets.

Click on the colored dots to explore allocations.

The Efficient Frontier analysis suggests that while the portfolio is aggressively positioned for growth, there may be opportunities to optimize its risk-return profile. Adjusting allocations among the current assets could potentially achieve a more efficient balance, enhancing returns for the same level of risk. This optimization process, however, should be approached with caution, considering the speculative nature of certain holdings.

Dividends Info

  • Fidelity® Crypto Industry and Digital Payments ETF 0.90%
  • Vanguard Small-Cap Value Index Fund ETF Shares 2.10%
  • Vanguard Growth Index Fund ETF Shares 0.40%
  • Weighted yield (per year) 1.16%

The portfolio's overall dividend yield of 1.16% is modest, reflecting its growth orientation over income generation. While the small-cap value ETF contributes a higher yield (2.10%), the growth and crypto ETFs offer lower yields, in line with their focus on capital appreciation. Investors seeking income alongside growth might consider increasing allocations to higher-yielding assets.

Ongoing product costs Info

  • Fidelity® Crypto Industry and Digital Payments ETF 0.39%
  • Vanguard Small-Cap Value Index Fund ETF Shares 0.07%
  • Vanguard Growth Index Fund ETF Shares 0.04%
  • Weighted costs total (per year) 0.10%

The portfolio's total expense ratio (TER) of 0.10% is impressively low, maximizing the potential for net returns. The cost efficiency is particularly notable given the specialized nature of the crypto and digital payments ETF. Keeping costs low is a crucial factor in enhancing long-term performance, and this portfolio exemplifies effective cost management.

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